Payments Research

Payments

The payments industry is evolving rapidly as new technologies, changing consumer behaviors, regulatory developments, and emerging business models reshape how money moves. Javelin’s payments research team provides data-driven insights and advisory services across nine practice areas: Commercial & Enterprise, Credit, Digital Assets & Crypto, Debit, Emerging, Global, Merchant, Prepaid, and Tech & Infrastructure.

What shapes consumer transactions and payment technologies, and where is it going?

Rapid changes in technology, regulation, and consumer behavior continue to reshape the payments industry. Javelin’s payments research team tracks commercial and consumer payment trends, evaluates emerging payment technologies, and anticipates what’s next. Through unbiased research, data-driven insights, and actionable advice, we help financial institutions, payments providers, and technology companies develop strategies that position them for success in a rapidly evolving market.

Payments Research

Reports

Regulatory Change's Impact on China's Emerging ePayments

Impact Note
Date: July 6, 2011
Author(s): Terry Xie
Research Topic(s): Global

As the first 27e-Payment licenses were issued at the end of May 2011, Mercator analyzes the impact of the latest development on the evolution and industry landscape in China's emerging e-payment market.

VC Investments in Payments 2010

Javelin Report
Date: June 29, 2011
Author(s): Terry Xie
Research Topic(s): Global

In 2010, the global payments industry saw a significant increase in the number of investing companies and the amount of money they received.

Durbin and Payments Innovation

Javelin Report
Date: June 28, 2011
Author(s): George Peabody
Research Topic(s): Credit, Emerging

It's certain that the Durbin Amendment will go into effect. While the rule's exact parameters may not be known until July 21, the regulation's impact on debit issuer strategies, and those attempting to compete with them, is already visible. The ...

Non Prime Credit Card Segments 2011: An Opportunity Waiting To Happen

Javelin Report
Date: June 27, 2011
Author(s): Ken Paterson
Research Topic(s): Credit

Boston, MA -- This report highlights opportunities in three heterogeneous credit card prospect segments which exist outside prime territory: subprime, consumers with an established credit track record indicating a higher risk of credit default, ...

Smart Ticketing: The Move to Open-Loop Transit

Javelin Report
Date: June 27, 2011
Author(s): George Peabody
Research Topic(s): Emerging, Prepaid

Smart Ticketing: The Move to Open-Loop Transit

The Case of Payoneer and Metabank May Change the Prepaid Value Chain

Impact Note
Date: June 19, 2011
Author(s): Ben Jackson
Research Topic(s): Prepaid

The connection of prepaid cards from the United States with an assassination in Dubai has already led to changes in the prepaid industry and may reshape the entire industry.

Credit Quality: (Almost) A Round Trip

Javelin Report
Date: June 16, 2011
Author(s): Ken Paterson
Research Topic(s): Credit

Since the official start of the recession, credit card delinquencies and charge-offs have nearly made a round trip back from the dark days of the recession. And while the economy continues to be weak, low origination volumes may ensure reasonabl...

EMV in the USA: Pushing the Peanut Down the Field

Impact Note
Date: June 16, 2011
Author(s): George Peabody
Research Topic(s): Emerging

EMV rollouts are, at last, beginning for a few lucky (or just really wealthy) U.S. card accountholders. Issuers care about them. For the rest of us, however, individual issuers discern no business case in replacing dumb magstripe cards with smar...